S.R. Accord Ltd (SRAC) Fair Value & Analysis
Financial Services · Il · Market cap 734M ILA
Fair value as of: Jul 13, 2026
From 9 valuation models · updated 28 days ago
Fair value updated Jul 13, 2026, revised from 89.44 ILA to 89.58 ILA (+0.2%) since Jun 26, 2026. Share price +0.7% over the past month.
A solid business, screening 60% undervalued on our models.
What matters now
- The model range is unusually wide (46.81 ILA to 182.49 ILA). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- Solid quality (53/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 13, 2026.
How to read this chart
60‑month range 17.46 ILA – 59.31 ILA · fair‑value band 46.81 ILA – 182.49 ILA · the 56.07 ILA price screens below the 89.58 ILA fair value. Dashed = 300-day average. As of Jul 13, 2026.
Analysis
S.R. Accord Ltd (SRAC) currently trades at 56.07 ILA, while our model-based Fair Value estimate is 89.58 ILA, implying the stock looks roughly 59.8% undervalued today. The Quality Score stands at 53/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, S.R. Accord Ltd generated revenue of 132M ILA at a net margin of 68.4%. Revenue grew 9.8% year over year. It earns a return on equity of 20.6%. Net debt stands at 1.4B ILA. Fundamentals as of Jul 13, 2026
Our scenario range runs from 46.81 ILA (bear case) to 182.49 ILA (bull case); at 56.07 ILA, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at 60%, SRAC screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 9 models by family
Widest divergence: Earnings-Based (241.16 ILA) versus Asset-Based (24.00 ILA). Highest evidence: Residual Income (76).
Notify me when SRAC reaches fair value
Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 44 · Market factors (momentum, volatility) 60
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
S.R. Accord Ltd. provides non-bank credit solutions for businesses in Israel. The company offers real estate financing; financing for public companies; financing evaluation and construction; car financing and business growth; financing for infrastructure projects; business financing; and financing for small and medium-sized businesses.
Full company description
S.R. Accord Ltd. provides non-bank credit solutions for businesses in Israel. The company offers real estate financing; financing for public companies; financing evaluation and construction; car financing and business growth; financing for infrastructure projects; business financing; and financing for small and medium-sized businesses. It also provides project performance guarantees; real estate financing funds; property lien; check discounting; checking for business; and credit and business credit line. The company was formerly known as Shrem Fudim Group Ltd. and changed its name to S.R. Accord Ltd. in December 2010. S.R. Accord Ltd. was incorporated in 1991 and is based in Ramla, Israel.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
S.R. Accord Ltd reported revenue of 224M ILA in FY2025 versus 133M ILA in FY2021, a compound +13.8%/yr. Reported net income was 90.2M ILA in FY2025, compounding +6.3%/yr from FY2021.
of which total revenue +17.1 pp · buybacks/dilution −1.5 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
Watch SRAC: get an alert when its fair value changes →
Peer Group
Credit Services · 331 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
Compare S.R. Accord Ltd with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is S.R. Accord Ltd (SRAC) overvalued or undervalued?
What is the fair value of SRAC?
What is the quality score of SRAC?
What is the revenue of S.R. Accord Ltd (SRAC)?
What is the net profit margin of SRAC?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
Track S.R. Accord Ltd and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.